Kuap. Ru - Balance sheet with turnover of ВОЛГА-КРЕДИТ, analysis of turnover of bank's accounts

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	VOLGA-KREDIT	add to comparison
Central Bank of Russia registration number: 1153 retail funding

On this page you can see aggregated balance sheet of the bank. Turnover equals to maximum of debit and credit turnover on balance sheet item for the month selected. Turnover analysis helps to highlight unusual operatios which can mean risky character of its activities. For example average cash turnover to net assets ratio on Russian banking system is 0,34. If cash turnover to net assets equals to 2-3 and payment processing is not this bank's primary business - this is the reason to think on this matter.

You can also get acquainted with balance sheet aggregation methodics.


Turnover by thous. rub.					Period change
ASSETS	19 694 087	18 375 276	18 584 166	21 513 472	1 819 385	9,2%
High liquid assets	8 241 109	9 181 967	9 438 748	7 288 854	-952 255	-11,6%
Cash and equivalents	7 364 315	8 808 329	8 737 619	7 007 881	-356 434	-4,8%
Cash	3 862 334	4 032 431	3 746 859	3 141 870	-720 464	-18,7%
in cash and en route	3 808 948	3 987 501	3 709 475	3 109 006	-699 942	-18,4%
in ATMs	53 386	44 930	37 384	32 864	-20 522	-38,4%
Nostro account with Central Bank	3 501 981	4 775 898	4 990 760	3 866 011	364 030	10,4%
Nostro accounts	806 959	299 274	581 756	215 694	-591 265	-73,3%
Residents	806 959	299 274	581 756	215 694	-591 265	-73,3%
Money in transfer	69 752	73 098	119 355	64 825	-4 927	-7,1%
Provision for impairment of high-liquid assets	83	1 266	18	454	371	447,0%
Interest-earning assets	1 668 327	1 696 740	1 433 748	1 087 947	-580 380	-34,8%
Dues from banks	320 789	836	121 070	151 302	-169 487	-52,8%
Central Bank of Russia	50 000	-	120 000	150 000	100 000	200,0%
Residents	270 000	-	-	-	-270 000	-100,0%
up to 180 days	270 000	-	-	-	-270 000	-100,0%
Non-residents	789	836	1 070	1 302	513	65,0%
more than 180 days	789	836	1 070	1 302	513	65,0%
Securities	847 859	424 673	592 552	474 126	-373 733	-44,1%
Bonds	847 859	424 673	321 087	201 133	-646 726	-76,3%
Federal Loan Bonds (OFZs), OBRs	845 710	423 373	320 494	201 018	-644 692	-76,2%
Valuation allowance	2 149	1 300	593	115	-2 034	-94,6%
Promissory notes	-	-	271 465	272 795	272 795	-
Banks	-	-	271 465	272 795	272 795	-
Stocks	-	-	-	198	198	-
Residents	-	-	-	188	188	-
Valuation allowance	-	-	-	10	10	-
Provision for impairment of stocks	-	-	-	-	-	-
Mutual funds	-	-	-	-	-	-
Loans to corporate clients	405 165	1 040 628	597 971	382 352	-22 813	-5,6%
residents	289 239	791 827	478 831	247 883	-41 356	-14,3%
up to 30 days	1 659	1 827	3 181	2 313	654	39,4%
up to 180 days	-	-	-	-	-	-
up to 1 year	-	380 000	-	-	-	-
up to 3 years	287 580	410 000	475 650	245 570	-42 010	-14,6%
more than 3 years	-	-	-	-	-	-
Past-due	-	153 443	-	678	678	-
residents	-	153 443	-	678	678	-
Provision for impairment of corporate loans	115 926	95 358	119 140	133 791	17 865	15,4%
residents	115 926	95 358	119 140	133 791	17 865	15,4%
Loans to individuals	94 514	230 603	122 155	80 167	-14 347	-15,2%
Standard	22 202	42 721	59 817	64 366	42 164	189,9%
up to 30 days	2 470	4 971	4 071	2 354	-116	-4,7%
up to 180 days	25	-	630	500	475	1 900,0%
up to 1 year	315	530	411	696	381	121,0%
up to 3 years	13 892	31 720	40 705	58 816	44 924	323,4%
more than 3 years	5 500	5 500	14 000	2 000	-3 500	-63,6%
Past-due	547	486	294	220	-327	-59,8%
Past-due	547	486	294	220	-327	-59,8%
Provision for impairment of loans to individuals	71 765	187 396	62 044	15 581	-56 184	-78,3%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	9 784 651	7 496 569	7 711 670	13 136 671	3 352 020	34,3%
Mandatory reserves with Central Bank	67 402	2 343	329	703	-66 699	-99,0%
Premises and equipment	824 767	2 991	6 475	144 004	-680 763	-82,5%
Purchase cost	824 585	2 883	5 111	143 196	-681 389	-82,6%
Depreciation	182	108	1 364	808	626	344,0%
Accrued interest not yet received	28	1 873	32	770	742	2 650,0%
Other assets	8 843 939	7 391 881	7 594 240	12 914 799	4 070 860	46,0%
Provision for impairment of other assets	32 266	70 849	89 391	32 718	452	1,4%
Derivatives - assets	11 161	26 632	21 203	41 913	30 752	275,5%
Deferred tax asset	5 088	-	-	1 764	-3 324	-65,3%
LIABILITIES	14 509 722	14 882 784	17 299 778	18 635 250	4 125 528	28,4%
Dues to banks	55 631	-	-	-	-55 631	-100,0%
Term	15 000	-	-	-	-15 000	-100,0%
Residents	15 000	-	-	-	-15 000	-100,0%
more than 180 days	15 000	-	-	-	-15 000	-100,0%
Other dues to banks	40 631	-	-	-	-40 631	-100,0%
On demand	4 594 055	5 596 453	7 747 405	4 787 102	193 047	4,2%
Corporate clients	4 096 571	5 165 606	7 268 823	4 500 907	404 336	9,9%
State-owned enterprises	5 808	5 552	5 522	5 229	-579	-10,0%
Residents	4 018 120	5 079 321	7 188 473	4 445 316	427 196	10,6%
Non-residents	72 643	80 733	74 828	50 362	-22 281	-30,7%
Individuals	497 466	430 831	478 556	285 996	-211 470	-42,5%
Residents	497 185	430 530	478 326	285 806	-211 379	-42,5%
Non-residents	281	301	230	190	-91	-32,4%
Brokerage accounts	18	16	26	199	181	1 005,6%
Residents	18	16	26	199	181	1 005,6%
Term	1 199 446	1 054 541	957 618	923 683	-275 763	-23,0%
Corporate clients	214 715	72 199	47 806	147 601	-67 114	-31,3%
Residents	214 715	72 199	47 806	147 601	-67 114	-31,3%
up to 180 days	214 715	62 199	27 806	144 601	-70 114	-32,7%
up to 1 year	-	10 000	20 000	3 000	3 000	-
more than 3 years	-	-	-	-	-	-
Non-residents	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Individuals	984 731	982 342	909 812	776 082	-208 649	-21,2%
residents	984 349	980 745	908 229	775 947	-208 402	-21,2%
up to 180 days	10 745	16 502	31 707	20 060	9 315	86,7%
up to 1 year	81 036	141 041	114 874	168 151	87 115	107,5%
up to 3 years	892 568	823 202	761 648	587 736	-304 832	-34,2%
non-residents	382	1 597	1 583	135	-247	-64,7%
up to 180 days	5	848	-	-	-5	-100,0%
up to 1 year	120	654	3	18	-102	-85,0%
up to 3 years	257	95	1 580	117	-140	-54,5%
Securities issued	316 303	776 538	797 319	168 945	-147 358	-46,6%
Promissory notes	316 303	776 538	797 319	168 945	-147 358	-46,6%
on demand	249 521	314 726	566 711	126 963	-122 558	-49,1%
up to 30 days	-	29 961	-	-	-	-
up to 180 days	19 520	408 442	210 104	11 500	-8 020	-41,1%
up to 1 year	1 507	1 775	8 869	7 119	5 612	372,4%
up to 3 years	45 755	21 634	11 635	23 363	-22 392	-48,9%
more than 3 years	-	-	-	-	-	-
Discount accrued	-	-	-	-	-	-
Other liabilities	8 344 287	7 455 252	7 797 436	12 755 520	4 411 233	52,9%
Other liabilities	8 333 373	7 445 045	7 794 283	12 755 170	4 421 797	53,1%
Accrued interest not yet paid	756	10 207	3 153	292	-464	-61,4%
Deferred tax liabilities	10 158	-	-	58	-10 100	-99,4%
EQUITY	519 733	384 908	690 802	863 315	343 582	66,1%
Capital	18 149	-	4	-	-18 149	-100,0%
Profit from previous years	-	-	-	-	-	-
Retained earnings from previous years	-	-	-	-	-	-
Current year profit	501 346	384 544	690 559	861 928	360 582	71,9%
Current year retained earnings	501 346	384 544	690 559	861 928	360 582	71,9%
Future expenses	238	364	239	1 387	1 149	482,8%
OFF-BALANCE SHEET	375 108	334 614	871 056	329 759	-45 349	-12,1%
Contingent liabilities	301 476	269 117	788 570	286 176	-15 300	-5,1%
Guarantees issued	550	-	-	30 000	29 450	5 354,5%
Unused credit limits opened	300 926	269 117	788 570	256 176	-44 750	-14,9%
Collateral on loans	25 704	39 649	1 589	7 428	-18 276	-71,1%
goods	25 704	39 649	1 589	7 428	-18 276	-71,1%
Unprocessed payments	47 766	25 746	80 781	35 914	-11 852	-24,8%
Due to lack of funds on client accounts	47 766	25 746	80 781	35 914	-11 852	-24,8%
Other off-balance sheet accounts	162	102	116	241	79	48,8%
Accrued interest not yet received	162	102	116	241	79	48,8%
Written-off interest	-	-	-	-	-	-
Written-off loans	-	-	-	-	-	-
Credit card balances	2 470	4 971	4 071	2 354	-116	-4,7%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-